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Cash network.

Cash network.

Cash network.

Cash deposits and withdrawals in a national network of physical points, connected to your platform by API.

Cash deposits and withdrawals in a national network of physical points, connected to your platform by API.

Cash deposits and withdrawals in a national network of physical points, connected to your platform by API.

Lenders, fintechs, and neobanks need their users to deposit and withdraw cash, but they lack their own physical network. Without a network of stores, they lose adoption and collections.

Lenders, fintechs, and neobanks need their users to deposit and withdraw cash, but they lack their own physical network. Without a network of stores, they lose adoption and collections.

Lenders, fintechs, and neobanks need their users to deposit and withdraw cash, but they lack their own physical network. Without a network of stores, they lose adoption and collections.

How it works

How it works

Generate a unique deposit or withdrawal reference from your platform via API.

Your user goes to any point in the network and presents their reference.

We confirm the transaction in real time, and your platform instantly updates the balance.

Key benefits

Key benefits

National network of physical convenience stores, pharmacies, and mini-markets.

Real-time confirmation, the balance updates instantly.

Two operating models: referenced payment (unregulated) and correspondent banking (regulated), depending on the client type.

Under the regulated model, Monato handles the management with the CNBV as a commission agent administrator

Where it is used

Where it is used

  • Micro lenders and SOFOMs

  • Casinos and gaming platforms

  • Closed-loop wallets

  • IFPEs and SOFIPOs under the regulated model

  • Banks

  • Neobanks without a physical network

  • Micro lenders and SOFOMs

  • Casinos and gaming platforms

  • Closed-loop wallets

  • IFPEs and SOFIPOs under the regulated model

  • Banks

  • Neobanks without a physical network

  • Micro lenders and SOFOMs

  • Casinos and gaming platforms

  • Closed-loop wallets

  • IFPEs and SOFIPOs under the regulated model

  • Banks

  • Neobanks without a physical network

Available in bundles

Collect & payouts

View solution

Move money internationally

View solution

Recurring payments

View solution

No physical network for deposits and withdrawals?

No physical network for deposits and withdrawals?

Micro lenders, neobanks, closed-loop wallets, banks, IFPEs, and SOFIPOs are already operating cash-in and cash-out services over a national network of physical points, with real-time confirmation and a regulated model available.

Micro lenders, neobanks, closed-loop wallets, banks, IFPEs, and SOFIPOs are already operating cash-in and cash-out services over a national network of physical points, with real-time confirmation and a regulated model available.

Micro lenders, neobanks, closed-loop wallets, banks, IFPEs, and SOFIPOs are already operating cash-in and cash-out services over a national network of physical points, with real-time confirmation and a regulated model available.

Schedule a call

Av. México 45 int 1B-2B, colonia Hipódromo Condesa, alcaldía Cuauhtémoc, C.P. 06100, Ciudad de México

Documentation

Products

Move money with SPEI

Direct debit

Bill pay

International payments

Cash network

Account verification

Embedded accounts

Wallets

Embedded lending

Servicing

Facilities

Credit as a service

Solutions

Collect & payouts

Turn your users into revenue

Recurring payment

Move money internationally

Non-Dilutive credit funding

Accounts & wallets

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

LinkedIn

Instagram

© 2026 Monato. All rights reserved.

Privacy Policy

Av. México 45 int 1B-2B, colonia Hipódromo Condesa, alcaldía Cuauhtémoc, C.P. 06100, Ciudad de México

Documentation

Products

Move money with SPEI

Direct debit

Bill pay

International payments

Cash network

Account verification

Embedded accounts

Wallets

Embedded lending

Servicing

Facilities

Credit as a service

Solutions

Collect & payouts

Turn your users into revenue

Recurring payment

Move money internationally

Non-Dilutive credit funding

Accounts & wallets

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

LinkedIn

Instagram

© 2026 Monato. All rights reserved.

Privacy Policy

Av. México 45 int 1B-2B, colonia Hipódromo Condesa, alcaldía Cuauhtémoc, C.P. 06100, Ciudad de México

Documentation

Products

Move money with SPEI

Direct debit

Bill pay

International payments

Cash network

Account verification

Embedded accounts

Wallets

Embedded lending

Servicing

Facilities

Credit as a service

Solutions

Collect & payouts

Turn your users into revenue

Recurring payment

Move money internationally

Non-Dilutive credit funding

Accounts & wallets

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

LinkedIn

Instagram

© 2026 Monato. All rights reserved.

Privacy Policy